Transaction authentication with a variable-type user-stored account identifier
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United States of America Patent
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Feb 20, 2018
Issued Date -
N/A
app pub date -
Nov 13, 2013
filing date -
Feb 14, 2012
priority date (Note) -
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Abstract
Each of a plurality of consumer accounts in a data store has a first consumer account identifier. Login information is received from a consumer device over the network interface device. The first consumer account identifier is received from the consumer device and stored in association the consumer account. The first consumer account identifier is storable as one of at least two types of identifiers and the storing by the consumer device of the first consumer account identifier is only permitted upon successful login based on the login information. The charge request is received over a network interface device, the charge request including the amount and the second consumer account identifier. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier, and the charge request is processed based on an account detail of the selected consumer account.
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